This note certifies the bearer's work to dateWP 0152277 A
Saves today's mark to your ledger โ one note per day; minting again today updates it. On this device only, never sent anywhere.
Your ledger
Every note you mint, in one line โ one mark per day, so re-minting today updates today's note. Come back after payday and add the next mark.
Manage notes
1
notes minted
โ
since your first note
โ
since your last note
0
longest run
A line only you can see โ it lives in this browser. Export a copy so a cleared cache can't erase it. Import takes a WorthParty JSON export, or a CSV: header date,net_worth_usd, one YYYY-MM-DD,amount row per note.
Where you stand
Measured against the wealth of every adult on Earth.
Top 15%
of the world by net worth
4.66 billion
adults hold less than you โ of ~5.5 billion worldwide
No. 15
your rank if the world were a village of 100 people
You hold more than half the adults on Earth. That is years of work made visible. Let it count.
Margin note ยท August 21Global household wealth is about $470 trillion โ roughly $85,000 per adult, if it were evenly cut.
Among your peers
The world curve is one thing; the people your age, or across your own border, are another. Pick both.
43%
of US households aged 35โ44 (2022 Fed survey) hold less than you
48%
of adults in United States hold less than you
.74ร
the median US household your age โ they hold $136k
City data, honestlyNo one publishes open city-level net worth distributions โ age and country are the sharpest lenses open data allows. For the city view, the exchange board below is the honest translation.
The world's wealth curve
Where adults sit by net worth, on a logarithmic scale. The gold mark is you.
Density of adults across net worth. Interpolated from UBS Global Wealth Report estimates; hover the curve to read any point.
The next mark
A reason to keep going, in plain arithmetic.
Next percentile: top 15% โ $1.51k to go
โ Passed the global median adult ($8.7k)the global top 10% ยท $141k
$41k to go โ you're 71% of the way to the global top 10%.
The trajectory
Two numbers โ what you add and what it earns โ and the page draws your next thirty years.
$
%
%
At $500 a month growing 7% a year (โ5.95% after tax), you reach the global top 10% in Oct 2029.
By Aug 2056: $1.09M โ $180k added by you, $811k earned by compounding, $331k ceded to taxes along the way โ the machine still outworks you.
Monthly compounding, contributions added each month; growth is trimmed by your tax setting (use 0% for Roth/sheltered accounts). Markets wobble; this line doesn't โ treat it as a bearing, not a promise.
The exchange board
What the same number converts to, city by city โ sorted by where it goes furthest.
If you moved here and spent your wealth down โ no income, no investment growth โ this is how long it sustains one person living a comfortable middle-of-the-road lifestyle, rent included.
๐ป๐ณHanoi
7.2years
โ $1,150/mo, comfortable + rent
๐ฎ๐ณMumbai
6.4years
โ $1,300/mo, comfortable + rent
๐ฎ๐ฉBali
6.0years
โ $1,400/mo, comfortable + rent
๐ฆ๐ทBuenos Aires
5.6years
โ $1,500/mo, comfortable + rent
๐ฟ๐ฆCape Town
5.2years
โ $1,600/mo, comfortable + rent
๐น๐ญBangkok
4.9years
โ $1,700/mo, comfortable + rent
๐ฒ๐ฝMexico City
4.2years
โ $2,000/mo, comfortable + rent
๐จ๐ฟPrague
3.6years
โ $2,300/mo, comfortable + rent
๐ต๐นLisbon
3.3years
โ $2,500/mo, comfortable + rent
๐ฏ๐ตTokyo
2.9years
โ $2,900/mo, comfortable + rent
๐ฉ๐ชBerlin
2.7years
โ $3,100/mo, comfortable + rent
๐ฆ๐ชDubai
2.1years
โ $3,900/mo, comfortable + rent
๐บ๐ธNew York
1.9years
โ $4,300/mo, comfortable + rent
๐ฆ๐บSydney
1.9years
โ $4,300/mo, comfortable + rent
๐ฌ๐งLondon
1.8years
โ $4,700/mo, comfortable + rent
๐ธ๐ฌSingapore
1.7years
โ $4,900/mo, comfortable + rent
๐บ๐ธSan Francisco
1.6years
โ $5,100/mo, comfortable + rent
๐จ๐ญZurich
1.3years
โ $6,400/mo, comfortable + rent
The independence line
The 4% rule: once your wealth is twenty-five years of living costs, work becomes optional. City by city, here is how close you are โ dates use your trajectory numbers.
๐ป๐ณHanoi
$345kto be free here
29% there ยท $245k to go ยท โ Feb 2040
๐ฎ๐ณMumbai
$390kto be free here
26% there ยท $290k to go ยท โ Sep 2041
๐ฎ๐ฉBali
$420kto be free here
24% there ยท $320k to go ยท โ Sep 2042
๐ฆ๐ทBuenos Aires
$450kto be free here
22% there ยท $350k to go ยท โ Aug 2043
๐ฟ๐ฆCape Town
$480kto be free here
21% there ยท $380k to go ยท โ Jul 2044
๐น๐ญBangkok
$510kto be free here
20% there ยท $410k to go ยท โ May 2045
๐ฒ๐ฝMexico City
$600kto be free here
17% there ยท $500k to go ยท โ Sep 2047
๐จ๐ฟPrague
$690kto be free here
14% there ยท $590k to go ยท โ Oct 2049
๐ต๐นLisbon
$750kto be free here
13% there ยท $650k to go ยท โ Dec 2050
๐ฏ๐ตTokyo
$870kto be free here
11% there ยท $770k to go ยท โ Mar 2053
๐ฉ๐ชBerlin
$930kto be free here
11% there ยท $830k to go ยท โ Mar 2054
๐ฆ๐ชDubai
$1.17Mto be free here
9% there ยท $1.07M to go ยท โ Oct 2057
๐บ๐ธNew York
$1.29Mto be free here
8% there ยท $1.19M to go ยท โ Apr 2059
๐ฆ๐บSydney
$1.29Mto be free here
8% there ยท $1.19M to go ยท โ Apr 2059
๐ฌ๐งLondon
$1.41Mto be free here
7% there ยท $1.31M to go ยท โ Aug 2060
๐ธ๐ฌSingapore
$1.47Mto be free here
7% there ยท $1.37M to go ยท โ Apr 2061
๐บ๐ธSan Francisco
$1.53Mto be free here
7% there ยท $1.43M to go ยท โ Dec 2061
๐จ๐ญZurich
$1.92Mto be free here
5% there ยท $1.82M to go ยท โ Jul 2065
The badge case
Badges are captured by minted notes โ permanently. Markets dip; trophies don't get repossessed.
The FIRE ladder
$
Five rungs of financial independence, computed from your spending, your age band, and your trajectory growth rate. New to the terms? Read the FIRE guide โ
0 of 5 rungs captured.
๐ถ
Coast FI
Mint $248k to capture
โ
Barista FI
Mint $525k to capture
๐ฑ
Lean FIRE
Mint $735k to capture
๐ฅ
FIRE
Mint $1.05M to capture
๐
Fat FIRE
Mint $1.57M to capture
The unbroken ledger
0 of 3 unbroken-ledger badges captured.
๐
Unbroken ledger โ 3 months
3 months in a row to capture
๐
Unbroken ledger โ 6 months
6 months in a row to capture
๐
Unbroken ledger โ 12 months
12 months in a row to capture
City badges
0 of 18 captured. Your first badge is $345k of minted worth away.